PRIVACY POLICY
Your privacy is our concern.
Protecting your private information is our priority. This statement of Privacy applies to loansville.ca and Loansville and governs data collection and usage. For the purposes of this Privacy Policy, unless otherwise noted, all references to Loansville include loansville.ca. The Loansville website is a Loan and Consumer Services site. By using the Loansville website, you consent to the data practices described in this statement.
Collection of your Personal Information
In order to better provide you with products and services offered on our Site, Loansville may collect personally identifiable information, such as your:
- First and Last Name
- Mailing Address
- Address
- Phone Number
- Employer
- SIN
- Income
If you purchase Loansville’s products and services, we collect billing and credit card information. This information is used to complete the purchase transaction. We do not collect any personal information about you unless you voluntarily provide it to us. However, you may be required to provide certain personal information to us when you elect to use certain products or services available on the Site. These may include:(a) registering for an account on our Site; (b) entering a sweepstakes or contest sponsored by us or one of our partners; (c) signing up for special offers from selected third parties; (d) sending us an email message; (e) submitting your credit card or other payment information when ordering and purchasing products and services on our Site. To wit, we will use your information for, but not limited to, communicating with you in relation to services and/or products you have requested from us. We also may gather additional personal or non-personal information in the future.*
* This does not apply to payday loan customers in British Columbia.
Use of your Personal Information
Loansville collects and uses your personal information to operate its website(s) and deliver the services you have requested.*
Loansville may also use your personally identifiable information to inform you of other products or services available from Loansville and its affiliates, as permissible by law.* Certain provinces, such as British Columbia, Manitoba, and Alberta, do have additional restrictions regarding the use of your personal information as it relates to the provision of other products or services available from Loansville and its affiliates, and Loansville complies with these provincial laws.
* This does not apply to payday loan customers in British Columbia.
Sharing Information with Third Parties
Loansville does not sell, rent or lease its customer lists to third parties.
Loansville may, from time to time, contact you on behalf of external business partners about a particular offering that may be interest to you.* In those cases, your unique personally identifiable information (e-mail, name, address, telephone number) is transferred to the third party. Loansville may share data with trusted partners to help perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to Loansville, and they are required to maintain the confidentiality of your information. Loansville may disclose your personal information, without notice, if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on Loansville or the site; (b) protect and defend the rights or property of Loansville; and/or (c) act under exigent circumstances to protect the personal safety of users of Loansville, or the public.
Tracking User Behavior
Loansville may keep track of the websites and pages our users visit within Loansville, in order to determine what Loansville services are the most popular. This data is used to deliver customized content and advertising within Loansville to customers whose behavior indicates that they are interested in a particular subject area.
Automatically Collected Information
Information about your computer hardware and software may be automatically collected by Loansville. This information can include: your IP address, browser type, domain names, access times and referring website addresses. This information is used for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the Loansville website.
Use of Cookies
The Loansville website may use "cookies" to help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.
One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the Web server that you have returned to a specific page. For example, if you personalize Loansville pages, or register with Loansville site or services, a cookie helps Loansville to recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses, shipping addresses, and so on. When you return to the same Loansville website, the information you previously provided can be retrieved, so you can easily use the Loansville features that you customized.
You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the Loansville services or websites you visit.
Links
This website contains links to other sites. Please be aware that we are not responsible for the content or privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of any other site that collects personally identifiable information.
Security of your Personal Information
Your safety and privacy are utmost priority for us and therefore we have enabled various tools and technologies for the reactive and proactive protection of your information. It is also essential for us to have your partnership in building strong and effective defense against the criminals. Some (but not necessarily all) of the steps you can take to protect yourself include:
- Ensure you have a strong and unique password for each account and device. Never write it down or save it anywhere.
- When it comes to emails, texts or other electronic messages, avoid clicking a link without validating the sender and confirming that it is from a trusted source.
- Never download or open attachments from an unfamiliar sender.
- Do not rely on a display name without checking the email address behind it. The full email address can usually be seen by hovering over the display name on a personal computer or by clicking on the display name on a mobile phone. We send emails to consumers only from ‘loansville.com’ or ‘loansville.ca’ email addresses.
- Do not respond to emails, phone calls or text messages that request personal information or your account details. Beware of messages that convey a false sense of urgency or seem suspicious to you in other ways. You can always call us at 1.855.472.3542 or visit us if you’re in doubt if a message comes from us.
- Ensure that your laptop, desktop and mobile device are protected by up-to-date antivirus software.
- Do not share your computer or password or other login credentials with an unknown person.
- Always lock your device that has critical information with a passcode or password that is difficult for anyone to guess.
- Periodically consider whether it is worthwhile to permanently delete personal information from your various devices.
- If you notice any suspicious activity, such as fraudulent emails that appear to come from Loansville, please call us at 1.855.472.3542. Also, consider contacting your local law enforcement.
We strive to take appropriate security measures to protect against unauthorized access to or alteration of your personal information. Unfortunately, no data transmission over the Internet or any wireless network or device can be guaranteed to be 100% secure. As a result, while we strive to protect your personal information, you acknowledge that: (a) there are security and privacy limitations inherent to the Internet which are beyond our control; and (b) security, integrity, and privacy of any and all information and data exchanged between you and us through this Site cannot be guaranteed.
Children Under Thirteen
Loansville does not knowingly collect personally identifiable information from children under the age of thirteen. If you are under the age of thirteen, you must ask your parent or guardian for permission to use this website.
Opt-Out & Unsubscribe from Third Party Communications
We respect your privacy and give you an opportunity to opt-out of receiving announcements of certain information. Users may opt-out of receiving any or all communications from third-party partners of Loansville by contacting us, updating the portal with your information or clicking unsubscribe in the emails.
E-mail Communications
From time to time, Loansville may contact you via email for the purpose of providing announcements, promotional offers, alerts, confirmations, surveys, and/or other general communication.* If you would like to stop receiving marketing or promotional communications via email from Loansville, you may opt out of such communications by Clicking the Unsubscribe Button.*
* This does not apply to payday loan customers in British Columbia.
External Data Storage Sites
We may store your data on servers provided by third party hosting vendors with whom we have contracted.
Changes to this Statement
Loansville reserves the right to change this Privacy Policy from time to time. We will notify you about significant changes in the way we treat personal information by sending a notice to the primary email address specified in your account, by placing a prominent notice on our site, and/or by updating any privacy information on this page. Your continued use of the Site and/or Services available through this Site after such modifications will constitute your: (a) acknowledgment of the modified Privacy Policy; and (b) agreement to abide and be bound by that Policy.
Personal Information Consents and Representations Agreement
I agree that Loansville may verify my name, address, phone number, and other account details with information about myself held by third party sources including TransUnion, and my mobile service provider in order to verify my identity and help protect myself and Loansville against potential fraud, such as when someone other than myself is trying to open an account with Loansville without my permission, and I provide consent for such third party sources to disclose and/or compare my information for this purpose. My personal information received from these specific sources will not be used by Loansville or shared with any third parties for any other purpose.
I understand and agree that Loansville may collect, use and/or disclose My Personal Information for any or all of the purposes disclosed in the Personal Information Consents and Representations Agreements, and I authorize Loansville to access my credit report (or such other similar report), and call/message a phone number or send an email to an address provided by me, for those purposes.
I agree to the Personal Information Consents and Representations Agreement.
I may periodically provide to Loansville Inc., and/or its franchises, agents, representatives, affiliates, successors, and assigns (collectively “Loansville”), and Loansville may periodically collect from or about me, certain personal information and records which may include among other things: name; current home and work addresses (including email addresses); previous addresses; current phone numbers (home, work, or other); physical descriptors and any such other identifiers (including, but not limited to, date of birth and Social Insurance Number); credit history, including credit reports, consumer reports, personal reports, or such other similar reports; next of kin; personal references; source and amount of income; financial information necessary to verify my creditworthiness; transactions with Loansville; and agreements and other documents pertaining to transactions with Loansville (“My Personal Information”).
I understand that Loansville collects, and as permissible by law, uses and/or discloses My Personal Information for any or all of the following purposes: (1) to obtain credit information and credit reports (or such other similar reports) on me from credit reporting agencies (or such other similar entity) to assess credit history and credit worthiness and to confirm accuracy of information provided by me;(2) to confirm my identity;(3) to meet legal and regulatory requirements;(4) to confirm details of my employment;(5) to collect a debt that may become owed to Loansville;(6) to extract certain information for the purpose of generating statistics for its internal purposes;(7) to record, track and respond to my feedback and complaints; and(8) to evaluate, complete, facilitate, or otherwise as part of any business transaction or prospective business transaction involving Loansville, which may include but are not limited to the purchase or sale of the whole, part, or any assets of Loansville, the making of a loan or other financing to Loansville, and the creation of a charge or taking of security interest in or on any assets of Loansville (generally “Business Transaction”), and as may be required to be disclosed to, or collected and used by, third parties from time to time for the purposes of same; and (9) to facilitate and allow verification of my transactions, including but not limited to origination, payment, and charge-off of my loan, with Loansville, by third parties which may be located in the United States of America (“USA”) and Europe, and as may be required from time to time as part of any Business Transaction involving Loansville. I further understand that Loansville will share and store My Personal Information and other transaction information with affiliated companies of Loansville located in the USA for the purposes listed above and that Loansville will keep track of my feedback and complaints utilizing a third party service provider whose servers are located in Europe and I agree and authorize to such collection, use and disclosure.
Further, I acknowledge and agree that by using the services of Loansville, I am consenting to Loansville and the third parties referenced above collecting, and as permissible by law, using, and disclosing My Personal Information for these purposes. Without limiting any of the foregoing or any other provision in this Agreement, or the provisions of any other provisions between Loansville and I, I further and specifically consent to and authorize Loansville to: (a) verify the accuracy of the information contained in my application by, among other actions, checking my credit report (or such other similar reports) before entering into any transaction with Loansville for the purposes identified above; (b) to check my credit report (or such other similar reports) for any legitimate business need in connection with a transaction between me and Loansville; (c) submit my application to a consumer reporting agency (or such other similar entity); (d) call my employer to confirm employment, (e) contact me for any reason related to my loan application, my loan, and Loansville’s services and promotions, and (f) obtain my bank account information. If I obtain one or more loan transactions from Loansville, I authorize Loansville to service my transactions by obtaining information about my whereabouts from the contact persons I have listed.
I represent and agree that My Personal Information provided to Loansville is accurate and complete. If there is a change in My Personal Information, I agree to advise Loansville.
I further agree and authorize Loansville to utilize My Personal Information to offer specialized services or to assess whether such services may be available or of interest to me, as permissible by law. I further agree and authorize that My Personal Information may be shared with third parties for this purpose. Upon giving reasonable notice to Loansville, I understand that I may withdraw my consent to Loansville using My Personal Information or providing to third parties for these purposes (subject to legal or contractual limitations).
I understand that cookies are small data files placed on my computer by a website. They may store and transmit information to websites that I visit. I understand that www.loansville.ca uses cookies on its website to:
- Help provide its on-line products and services to me
- Market those products and services
- Analyze the flow of traffic to its website
- Analyze and track the traffic of website users from page to page within its website
I understand that third party vendors, including Google, may:
- Show Loansville’s ads on websites on the internet
- Use cookies to serve ads based on my prior visits to Loansville’s website
I may accept or decline cookies through the configuration settings of my web-browser. I may also opt out of Google’s use of cookies by visiting the Google advertising opt-out page.
Pixel tags (or clear gifs) are small transparent graphic images placed on a website that are not normally visible to the user. They provide non-identifiable information about my usage of the website. I understand that www.loansville.ca uses pixel tags to:
- Note pages visited on its website
- Assist in the administration of affiliate accounts
For more information on Loansville’s policies and procedures relating to management of My Personal Information, I may contact Loansville at 157-B Bridget Street, Carleton Place, ON or 1-855-472-3542 Attention: Privacy Officer, or visit www.loansville.ca
I further consent and agree to use and accept electronic signatures, electronic records, and electronic disclosures in connection with any and all transactions I have with Loansville, and specifically consent and agree to Loansville delivering any agreements and associated documentation, information, and records, including but not limited to disclosures, receipts, and notices (collectively “Documents”), to me by email sent to the address provided by me. I understand, acknowledge, and agree that I can access electronic records and that I may also request a paper copy of the Documents at any time and at no charge.
I further consent and agree that Loansville may contact me at any address, email or telephone number I have provided to Loansville.
If I reside in the Province of Manitoba, any consent that I give in this Personal Information Consents and Representations Agreement also constitutes consent to a “personal investigation” as defined in The Personal Investigation Act, as applicable. This signed Agreement forms written consent to a personal investigation by me.
This Agreement is effective from the time I sign this Agreement, irrespective of whether my interactions, dealings, transactions, or otherwise with Loansville result in a loan agreement, until such time as I withdraw my agreement and consent to this Agreement.
Contact Information
Loansville welcomes your questions or comments regarding this Statement of Privacy. If you believe that Loansville has not adhered to this Statement, please contact Loansville at:
Privacy Officer*
Loansville
157 Bridge Street
Carleton Place, Ontario Canada K7C 2V6
Email: info@loansville.ca
Telephone number: 1.855.472.3542
MOBILE PRIVACY POLICY
Applicability
This policy governs your use of a software application ("Application") on a mobile device provided by Loansville Financial Services or any of its affiliates ("we" or "us"). The Application allows you to transmit and deposit checks and other financial instruments using compatible and supported mobile phones and/or other compatible and supported wireless devices or network devices under your control (the "Services").
What information does the Application obtain and how is it used?
User Provided Information
The Application obtains the information you provide when you download and register the Application. Registration with us is mandatory in order to be able to use the basic features of the Application. When you register with us and use the Application, you generally provide: (a) your name, email address, birth date, user name, password and other registration information; (b) transaction-related information, such as when you conduct transactions, or download or use applications from us, which can include phone number, birth date, and/or social security number; (c) information you provide us, including phone number or other contact information, when you contact us for help; (d) an image of checks and other financial instruments you send to us that may contain personal and financial account information, (e) your debit card or other payment card information; and (f) any other information, including income, you enter into our system when using the Application. We may also use the information you provided us to contact you from time to time to provide you with important information, required notices, and marketing promotions only where permitted by law.
Automatically Collected Information
In addition, the Application may collect certain information automatically, such as the type of mobile device you use, your mobile devices unique device ID, the IP address of your mobile device, your mobile operating system, the type of mobile Internet browsers you use, and information about the way you use the Application.
Does the Application collect precise real time location information of the device?
This application collects precise information about the location of your device in order to assist in making sure the transaction complies with applicable laws and regulations.
Do third parties see and/or have access to information obtained by the Application and may I limit this sharing of information?
Our general privacy policy describes the information we may share and your rights to limit that sharing. Note that we do not share information with third parties to market to you.
Automatic Data Collection
We may use your information to conduct our own analytics to help us understand how the Application is being used, such as the frequency and duration of usage. The Application does not track, and does not allow any third-party to track, an individual consumer’s online activities over time or across third-party Web sites or online services. Accordingly, the Application does not respond to a “do not track” signal or similar mechanism. The Application collects only the personal information provided voluntarily from the consumer and submitted to us.
Managing Your Information
We will retain your data for as long as you use the Application and for a reasonable time thereafter. If you would like to correct data that you have provided via the Application, please contact us at 1.855.472.3542 or email info@loansville.ca and we will respond in a reasonable time. Please note that some or all of your data may be required in order for the Application to function properly, and we may be required to retain certain information by law.
Children
We do not use the Application to knowingly solicit data from or market to children under the age of 13. If a parent or guardian becomes aware that his or her child has provided us with information without their consent, he or she should contact us at 1.855.472.3542 or email info@loansville.ca. We will delete such information from our files within a reasonable time.
Security
We are concerned about safeguarding the confidentiality of your information. We provide physical, electronic, and procedural safeguards to protect information we process and maintain. For example, we limit access to this information to authorized employees and contractors who need to know that information in order to operate, develop or improve our Application. Please be aware that, although we endeavor to provide reasonable security for information we process and maintain, no security system can prevent all potential security breaches.
Changes
This policy may be updated from time to time for any reason. We will notify you of any material changes to our policy by updating the policy on the Application and posting the new policy here [https://www.loansville.ca/mobile-privacy-policy] You are advised to consult this policy regularly for any changes.
Your Consent
By using the Services, you are consenting to our processing your information as set forth in this policy now and as amended by us.
Contact Information
Loansville welcomes your questions or comments regarding this Statement of Privacy. If you believe that Loansville has not adhered to this Statement, please contact Loansville at:
Privacy Officer*
Loansville
157-B Bridge Street
Carleton Place, Ontario Canada K7C 2V6
Email: info@loansville.ca
Telephone number: 1.855.472.3542
